What is the official website of the payment service?
The official website of V12 Finance is https://www.v12retailfinance.com
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Where can I find the customer support contacts?
Customer support contact information can be found on their official website under the "Contact us" section.
What is the hotline phone number?
The main customer service phone number is 02920 468 900.
Is there a toll-free support number?
There is no verified information confirming a toll-free support number; typical calls are to the 02920 area code.
What is the email address for technical support?
The general customer service email is [email protected]; no specific technical support email was provided.
Are there separate emails for different types of inquiries?
There is no detailed verified information on separate specialized emails for different departments.
Where can I find the online chat support?
There is no verified information about dedicated online chat support, but customers can send secure messages through the V12 Self Service Portal or app.
Does the chat support work 24/7?
Since specific chat support was not verified, no verified 24/7 chat support availability is known.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support availability via messengers such as Telegram or WhatsApp.
What are the support working hours?
Customer service is available Monday to Friday from 9 am to 5 pm, closed on weekends and bank holidays.
Does support work on weekends and holidays?
No, customer support is closed on Saturdays, Sundays, and bank holidays.
Are there regional offices for in-person visits?
Physical office locations exist, but no specific information states that in-person visit support is provided.
Where are the physical offices located?
V12 Retail Finance registered office is at Yorke House, Arleston Way, Solihull, B90 4LH, United Kingdom.
Can I schedule a personal meeting?
There is no verified information confirming the availability or process for scheduling personal meetings.
Are there representatives in different countries?
V12 Finance operates primarily in the UK; no verified information about international representative offices.
In which languages is support available?
Customer support is provided in English.
How quickly does support respond to requests?
Average response times are not explicitly stated, but customer reviews suggest relatively quick responses via phone and email during working hours.
Is there a priority system for VIP clients?
No verified information about VIP client priority system or dedicated services.
Can I request a callback?
No verified information about a callback request service.
When was the payment service founded?
V12 Finance has been providing retail point-of-sale credit options for over 20 years.
Who is the founder and owner of the service?
V12 Retail Finance is a trading style of Secure Trust Bank PLC, which owns and operates the service.
In which country is the company registered?
The company is registered in England and Wales.
What is the development history of the payment service?
Established over 20 years ago, V12 Finance has developed from a retail point-of-sale credit provider to offering a range of finance products through an online platform and partnerships.
Have there been major updates or rebranding?
No verified major rebranding events have been documented.
Who sits on the company's board of directors?
Specific board of directors information is not publicly verified.
Are there investors or partners in the service?
Secure Trust Bank PLC is the parent company; partners include retail outlets offering V12 Finance products as credit broker.
Does the company participate in stock trading?
The company is not listed publicly on any stock exchange.
What is the company's market capitalization?
Market capitalization data is not publicly available.
Are there subsidiary companies or branches?
No verified information about subsidiaries or branches beyond the primary operation of V12 Retail Finance.
What licenses does the payment service have?
V12 Retail Finance Limited is authorized and regulated by the Financial Conduct Authority (FCA) in the UK, registration number 679653.
In which jurisdictions does the service operate officially?
The service operates officially within the United Kingdom.
Are there licenses for cryptocurrency operations?
There is no verified information indicating licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, V12 Finance complies with anti-money laundering (AML) and know-your-customer (KYC) regulations as regulated by the FCA.
Are there security certificates (PCI DSS, etc.)?
The service uses robust security technology including encryption and fraud prevention; PCI DSS certification is implied industry standard but not explicitly stated.
Has the service undergone security audits?
Specific security audit history is not publicly verified; the company states it upgrades encryption and monitors security 24/7.
Is there insurance for client funds?
There is no explicit verified information about insurance for client funds.
Which international standards does it comply with?
The company complies with UK regulatory standards under the FCA and relevant financial services legislation.
Have there been any regulatory fines or violations?
No public records indicate regulatory fines or violations.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot and consumer review platforms such as SmartMoneyPeople.
What are the main user complaints?
Common complaints include occasional issues with account-related communication and service delays.
What do users most often praise the service for?
Users frequently praise the simple, quick application process, helpful customer service, and clear finance terms.
Are there issues with fund withdrawals?
As a retail finance credit provider, withdrawal issues typical for wallets are not applicable; payments are more about finance repayments.
Is the interface convenient according to users?
The online portal and mobile app receive positive feedback for ease of use and accessibility.
Are clients satisfied with transaction speed?
Customers report efficient processing of credit applications and payment processing during operation hours.
Do users recommend this service?
Yes, users commonly recommend V12 Finance for retail credit solutions.
How do experts assess the service's reliability?
Experts highlight the FCA regulation and backing by Secure Trust Bank as indicators of trustworthy service.
Are there industry awards and recognitions?
No verified information on specific industry awards.
Does the service participate in payment system rankings?
No public information indicates participation in payment system rankings.
Are there recommendations from financial regulators?
The company is authorized and regulated by the FCA which endorses its operation under UK financial regulations.
What reputation does the service have among partners?
Retailer partners consider V12 a leading UK provider for retail point-of-sale finance credit.
How do they evaluate solution innovation?
The company is recognized for providing flexible payment plans and integrating digital application technologies.
Are there quality service certificates?
No publicly available information about specific quality service certifications.
Does the company participate in industry conferences?
There is no verified public information about industry conference participation.
How does the service position itself in the market?
V12 positions itself as a leading UK retail point-of-sale finance provider offering simple credit solutions with flexible repayment options.
Which fiat currencies does the service support?
The service supports GBP (British Pound Sterling) exclusively.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported for payments or finance.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrencies or tokens are offered.
Can currencies be converted within the service?
Currency conversion is not applicable as GBP is the only supported currency.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are there currency restrictions in different countries?
Service is limited to UK residents using GBP currency.
What types of transfers does the service support?
Payment methods include Direct Debit, bank transfer, credit/debit card payments for finance repayments.
Can transfers be made between service users?
There is no peer-to-peer transfer functionality.
Are transfers to bank cards supported?
No, transfers to bank cards are not a typical functionality; payments are finance repayments.
Can money be transferred to bank accounts?
No direct user-to-bank account transfers.
Is bill payment available?
Bill payment services are not provided; service focuses on retail finance repayments.
Are recurring payments supported?
Yes, Direct Debit and recurring card payments can be set up for finance repayments.
Can automatic transfers be set up?
Yes, Direct Debit allows automatic transfer scheduling.
Is payment scheduling available?
Payment dates can be chosen when setting up Direct Debit.
Are group payments supported?
No group payment options are available.
Can payment links be created?
There is no verified information on creating payment links.
What are the minimum transaction amounts in the service?
Minimum transaction amounts typically start from around £280 for finance applications.
What are the maximum amounts that can be transferred?
Maximum finance amounts can be up to £15,000 depending on product and approval.
Are there daily limits on operations?
Specific daily transaction limits are not detailed publicly.
What monthly and annual limits are in effect?
Limits are subject to credit assessment and affordability, no publicly detailed caps exist.
Can limits be increased? How?
Limits can be influenced by creditworthiness and verification; specific increase procedures are not detailed.
Do limits differ for verified users?
Verification and credit status impact available credit limits.
Are there restrictions for new accounts?
New customers are subject to credit checks and status eligibility.
Do special limits apply in different countries?
The service operates only in the UK; geographic-specific limits do not apply.
Can operations be temporarily blocked?
Operations can be paused or blocked due to non-payment or suspicious activity per regulatory requirements.
Are there limits on the number of daily operations?
No public details on daily operation count limits.
What are the minimum amounts for account funding?
Not applicable as the service is focused on credit repayments.
What methods of funding are supported?
Payments can be made via Direct Debit, card payments, bank transfer, and automated payment lines.
Are there fees for funding?
No fees are typically charged for repayments or account funding.
What are the minimum funding amounts?
Payments can start from the minimum monthly repayment amount based on credit agreement.
How quickly are funds credited when funding?
Card payments may take up to 3 working days to reflect; bank faster payments credited next working day.
How can money be withdrawn from the system?
Withdrawing funds is not applicable; service handles credit repayments.
Are there fees for fund withdrawal?
Not applicable.
How long does withdrawal take?
Not applicable.
What withdrawal limits are set?
Not applicable.
How quickly are funds credited when funding with a card?
Card payments may take up to 3 working days to show in the account.
How long does a bank transfer take?
Faster payments credited next working day.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Internal transfers are not a feature.
Are there delays when funding on weekends?
Payments on weekends may be delayed until next working day.
Do holidays affect funding speed?
Funding may be delayed on bank holidays.
Can crediting be accelerated for a fee?
No express funding options are indicated.
What determines the speed of funding processing?
Bank processing times and payment method affect speed.
Are there notifications about funding status?
Customers can view payment status via the online portal and app.
What to do if funding takes too long?
Contact customer support for delayed payment resolution.
How quickly are withdrawal requests processed?
Not applicable.
How long does card withdrawal take?
Not applicable.
How quickly do bank transfers arrive?
Next working day for faster payments.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Not applicable.
Do holidays affect withdrawal speed?
Not applicable.
Can withdrawal be accelerated for an additional fee?
Not applicable.
What determines withdrawal processing time?
Not applicable.
Are there notifications about withdrawal status?
Not applicable.
Can a withdrawal request be canceled?
Not applicable.
How to register with the payment service?
Registration is done online via the merchant checkout or V12 Finance portal by providing personal and financial details.
What data is needed to create an account?
Information includes name, date of birth, address, contact details, and financial information for credit assessment.
Can registration be done without email?
Email is typically required for application completion and communication.
Is phone confirmation required during registration?
Phone number is required and may be used for confirmation and contact.
Are there age restrictions for registration?
Minimum age is 18 years old.
Can a corporate account be created?
The service is focused on consumer retail credit; corporate accounts are not standard.
Is it required to provide real data?
Yes, truthful and accurate personal data is required by law and credit regulations.
Are there country restrictions for registration?
Registration is restricted to UK residents only.
How long does account activation take?
Activation and credit decision typically occur within minutes to hours during business hours.
What verification levels exist?
Verification includes identity and affordability checks aligned with FCA regulations.
What documents are required for basic verification?
Proof of identity and address documents may be requested during the process.
Are documents needed for full verification?
Additional documents might be required for enhanced verification or dispute resolution.
Are digital copies of documents accepted?
Digital document submission is accepted via the online portal.
How long does the verification procedure take?
Verification usually completes within minutes but can take longer if manual review is needed.
Can the service be used without verification?
Limited use or finance options may be available pending verification.
What restrictions apply to unverified users?
Unverified users may not complete finance agreements or access full services.
Is address confirmation required?
Yes, address verification is standard as part of KYC.
Is a selfie with documents required?
No verified requirement for selfie with documents is publicly stated.
How often do documents need to be updated?
Periodic updates may be required if account details change or per regulatory requirements.
What encryption technologies does the service use?
V12 uses advanced encryption technologies with routinely upgraded protocols to secure data transmission.
Is two-factor authentication supported?
No explicit information on 2FA presence.
Are there SMS confirmations for operations?
SMS may be used for transaction or account notifications; not explicitly confirmed.
Is biometric authentication supported?
No verified public information about biometric authentication.
Is blockchain technology used?
No evidence that blockchain technology is used.
Is there a multi-level security system?
Yes, multiple layers including encryption, fraud prevention, anti-phishing, and staff security procedures are in place.
How is user personal data protected?
User data is protected with encryption, secure handling, regulatory compliance, and regular threat monitoring.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
The service works with threat intelligence to defend against attacks but detailed DDoS measures are not specified.
Are regular security audits conducted?
Regular security reviews and audits are implied but no detailed public reports.
What anti-phishing protection measures are provided?
Anti-phishing technologies and customer warnings are provided to prevent fraud.
Is there a suspicious activity detection system?
The company maintains fraud detection and monitoring as part of its security.
How does the service combat money laundering?
AML compliance includes KYC checks, transaction monitoring, and reporting suspicious activity to regulators.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or restricted according to regulatory and internal policies.
What to do when fraud is detected?
Customers are advised to contact support immediately to report fraud.
How to report suspicious activity?
Report suspicious activity via customer service phone or secure messaging on the portal.
Is there compensation for damage from fraudsters?
No explicit guarantee for compensation is publicly stated.
What user rights exist for disputed transactions?
Users can raise disputes following terms and complain through regulated complaint procedures.
How to dispute account blocking?
Disputes can be raised by contacting customer service and following the complaints process.
Is there insurance against cyber attacks?
No specific cyber insurance details are publicly available.
What fees does the service charge for transfers?
No fees are typically charged for repayment transfers.
Are there fees for account funding?
No fees for account funding.
Are fees charged for fund withdrawal?
Not applicable.
Are there fees for currency conversion?
Not applicable.
Are there fees for account inactivity?
No inactivity fees are publicly mentioned.
Are there account maintenance fees?
No regular account maintenance fees are disclosed.
Are fees charged for operation cancellation?
No fees for cancellation of payments are detailed publicly.
Are there fees for expedited operations?
No express service fees confirmed.
Are there hidden fees?
Fee structures are transparently disclosed as per FCA regulation; hidden fees are not typical.
How are fees calculated for large amounts?
Fees and APR depend on credit agreement terms and user credit profile.
Are there different tariff plans in the service?
Various credit plan options exist with different terms and repayment schedules.
What advantages does VIP status provide?
No public information on VIP status or privileges.
How to get preferential conditions?
Preferential conditions relate to creditworthiness and agreement terms.
Are there free operations per month?
Not applicable.
Are there discounts for active users?
No verified discount programs.
Are there corporate tariffs?
The service is consumer-focused; corporate tariffs are not standard.
Can individual conditions be obtained?
Credit terms are personalized based on status and credit assessment.
Do promotional codes work for fee reduction?
No verified information on promo codes.
Are there cashback programs?
No cashback programs are indicated.
Are there discounts for transaction volumes?
No volume discount information.
Is there an official mobile application?
Yes, V12 Retail Finance offers a mobile app for account management.
On which platforms is the application available?
Available on Android and iOS platforms.
What functions are available in the mobile application?
Functions include application for finance, payment management, viewing balance and statements.
Does functionality differ from the web version?
The mobile app offers similar core functionalities with mobile-optimized experience.
Is Touch ID/Face ID supported?
No explicit info on biometric app login support.
Can the application work offline?
No, internet connection is required.
Are there push notifications about operations?
Push notifications are supported for payment reminders and status updates.
Is dark theme supported?
No verified information on dark mode in the app.
How often is the mobile application updated?
App updates occur periodically to improve functionality and security.
Are there beta versions of the application?
No information on beta testing publicly available.
Is the web interface of the service convenient?
Users praise the web interface for ease of navigation and clarity.
Is responsive design supported?
Yes, the website supports responsive design for mobile devices.
In which languages is the interface available?
Interface is available in English.
Is there a night mode for the website?
No confirmed night mode/dark theme on the website.
Are hotkeys supported?
No information on hotkey support.
Can data be exported?
No indication of data export functions for users.
Is there an API for developers?
Yes, V12 offers API integration documentation for retailers accepting their finance solutions.
Is integration with other services supported?
API supports integration with e-commerce platforms for finance application and management.
How often is the web interface updated?
The site receives regular updates for security and improvements.
Are there virtual cards in the service?
The service does not issue virtual cards.
Can disposable cards be created?
No disposable card functionality.
Is multi-currency account functionality supported?
Single currency (GBP) only.
Are there investment products?
No investment products offered.
Are there credit products?
Yes, retail point-of-sale credit and consumer finance products.
Is there acquiring for business?
Not provided.
Is there a loyalty program in the service?
No loyalty program mentioned.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback.
Are there referral programs?
No public referral program information.
What privileges do VIP clients have?
No VIP privileges disclosed.
Are there seasonal promotions and offers?
No specific promotions publicly advertised.
Are there restrictions on gambling transactions?
UK regulations would apply; no specific casino transaction support.
Can accounts be blocked for casino play?
Possibly under regulatory compliance; no explicit information.
How does the service view gambling?
No official stance publicly documented.
Is a "cooling-off period" supported?
Credit agreements typically include legal cooling-off rights.
Can help be obtained for gambling addiction?
Not specific to V12 Finance.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not applicable.
Are there geographic restrictions for casino usage?
Not applicable.
How do casino operators typically process transactions from this method?
Not applicable.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
Not applicable.